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Jacqualyn Karlosky is an experienced banking professional with a strong background in retail banking. Currently serving as Senior Vice President of Retail Banking at Citizens First National Bank, Jacqualyn previously held various leadership roles at Heartland Bank and Trust Company from 2012 to the present, including Vice President and Director of Retail Banking, Director of Retail Banking (Retired), and Vice President/Director of Retail Operations. This diverse experience showcases a significant commitment to advancing retail banking services and operations.